Lexitor - Rimborso costi sostenuti in caso di Estinzione Anticipata

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

La nota sentenza della Corte di Giustizia UE (11 settembre 2019, causa “Lexitor” C-383/2018), resa – in sede di rinvio pregiudiziale – sul delicato tema del rimborso dei costi dovuto al consumatore in caso di estinzione anticipata di un finanziamento, lungi dal contribuire a mettere una pietra “tombale” su un contenzioso già “seriale”, ha finito per aprire una profonda “frattura” interpretativa tra le parti “in causa”.

CESSIONI DEL “QUINTO”: NUOVO STOP ALL’INTERPRETAZIONE “LEXITOR”

Anche per il Tribunale di Trani la pronuncia della CGUE “non è pertinente all’ordinamento italiano” Ordinanza | Tribunale di Trani, Giudice Alberto Binetti | 30.04.2021 | Il dibattito giurisprudenziale sul...

Dec-20210226-5075_ESTINZIONE

La sentenza-Lexitor della Corte di Giustizia dell’Unione Europea ha stabilito il principio secondo cui “l’articolo 16, paragrafo 1, della direttiva 2008/48”, attuato nell’ordinamento interno con l’art. 125- sexies TUB, “deve essere...

Dec-20210226-5073_ESTINZIONE

Dec-20210226-5071_ESTINZIONE

Dec-20210226-5070_ESTINZIONE

Alla luce delle modifiche alle Disposizioni ABF entrate in vigore dal 1° ottobre 2020, secondo cui gli importi contenuti nelle pronunce di accoglimento sono arrotondati all’unità di euro, il Collegio...

Dec-20210226-5069_ESTINZIONE

Dec-20210226-5066_ESTINZIONE

Il Collegio richiama il proprio costante orientamento secondo il quale, in caso di estinzione anticipata del prestito contro cessione del quinto dello stipendio sono rimborsabili, per la parte non maturata,...

“LEXITOR”: IRRILEVANTE PER I RAPPORTI DI MUTUO ANTE 2010

Va esclusa l’applicazione retroattiva dell’art. 125 sexies TUB. Valida ed efficace la "clausola di non ripetibilità". Sentenza | Corte d'Appello di L'Aquila, Pres. Iannaccone - Rel. Ciofani | 26.01.2021 |...

Dec-20210120-1632_USURA

Il Collegio precisa inoltre che la domanda di retrocessione degli oneri assicurativi in misura integrale che il ricorrente propone, sia in via principale sia in via subordinata, è da ritenersi...